because flood is excluded from standard homeowners' insurance policies, but a lot of homeowners in fema-designated flood zones don't have a choice, they had to buy flood insurance, so they're likely to be covered as well because flood insurance policy covers not only for a flood, but also a storm surge. the other coverage, you talked about falling trees, if a tree were to fall on a car, so long as you have comprehensive coverage and about 80% of the people, drivers opt to purchase it, you're covered on that as well when it comes to the auto insurance. >> an older car, like the one that i drive, though, will most of us just have liability and we're out of luck, right? >> i would say yes and i think that's why if you talk to insurance agents, they say if you're going to drop one on an older car, it's better to drop collision because collision is pricier than comprehensive and you have comprehensive coverage not only -- the answer is not just described with the tree falling on the car, but the comprehensive also covers you for a partial or submerged flooding of a vehicle. >> it's too late at this poi